Blue Shield Raised Our Rates 73% In One Year

Blue Shield has raised our rates so many times recently that I decided to graph it.

We have a very high deductible plan because I'm trying to be self-employed and that's all I could afford on my own. There is an $8000 per person deductible so it covers basically nothing but catastrophic care. Now it's $777 per month. It was $447 per month a year ago. This is utterly insane. 73% in one year! Here's the future if this keeps up:

your laissez faire bullshit about "poor" people "usually" getting the medical care they need as private, uninsured consumers. This is just hand-waving generalities.

This medical care goes far far beyond $60 office visits, as you will find out as you grow older and or encounter a serious health care need.

The reality is that every other first-world nation on the planet has a much better health care system now, with per-capita prices less than half ours for prenatal to grave universal coverage.

The only way to get there is by breaking the cartels controlling supply for one, and putting single payer cost controls run by the state.

ACA is only a small step in that direction, but by having taxpayers pay subsidies for the middle class we (aka the state) will be buying a seat at the cost-control -- actually, profit-control -- table eventually.

No hospital in America will let you into the parking lot without insurance that they know they can bill successfully.

They'll rent you a parking spot to stop and blow your brains out, though, once you give up on the hope that you will be able to see a real doctor and get any kind of treatment besides a once over, cover-the-doc's-ass flurry of tests and a slap on the back and admission, 'hey, can't find anything. Must be aging' non-diagnosis.

The reality is that every other first-world nation on the planet has a much better health care system now, with per-capita prices less than half ours for prenatal to grave universal coverage.

The only way to get there is by breaking the cartels controlling supply for one, and putting single payer cost controls run by the state.

ACA is only a small step in that direction, but by having taxpayers pay subsidies for the middle class we (aka the state) will be buying a seat at the cost-control — actually, profit-control — table eventually.

Who is ACA?

The reality is that what reform we got was writen with the goal to kill any chance of a single payor system. Or even of a limited version of it they call public option. It was writen by Health Insurance execs. Because of it we won't have any chance of any public option in lifetime of the current generation.

As a side effect, the government gets incredible level of control on how health care is done without taking on any responsibility. As the result, health care providing organizations must concentrate on government relations rather than on health care.

As one directly involved in health processes that serve more than 2.5 million people in S. Cal. i'm directly witnessing devastating effects of the reform on actual services. As of today it mostly affects costs, however, it's clear that the quality is to deteriorate over the next several years.

I'm not saying this from any ideological position. In fact I would like to have a state single payor system in USA, even though there are large differences between Europe and USA that may make such a system much less efficient here. Anyways I agree that a single payor care is the least evil of our options.

Again, the purpose of the current reform is to kill a chance of such a system, rather than bridging to it.

No hospital in America will let you into the parking lot without insurance that they know they can bill successfully.

Kind of a new argument to me.

I don't know how it is today, but in the 90th at least some university hospitals accepted uninsured patient and negotiated payments later on.
Of course you needed to live quite close to one, which was expensive.

The main argument I heard when telling people I held no health insurance was: "yes, but do you really want to be treated by an intern instead of an experienced doctor, or by a dental school student instead of a real dentist."
It could make some sense, however KP family doctors are hardly better than UCLA interns and are allowed much less time per a patient visit.

Most private hospitals accept uninsured patients in emergency rooms even today. Visiting an emergency room is not a fun, but may save you in a severe situation.

Another reason for this is the antitrust exemption the insurance industry enjoys. The House passed a bill to eliminate it, but whether you’ll hear anything more about it is doubtful.

Bingo. Anti trust pure and simple. These guys were making 28 percent profit. Now they are trying to make 28 percent profit while offering a lot more coverage as mandated by Congress. (No lifetimes and all that jazz.) Thanks Congress and Obama administration for this piss poor excuse for reform. This was completely forseeable and precisely why we need real reform including a public option.

The Drs will tell you there is nothing you can do but take expensive pharmaceuticals. They are misinformed. I now no longer require any pharmaceuticals on a daily basis. Have not taken antibiotics in a year. Before that I took them 4-6 times a year for chronic sinus infection.

I will share my knowledge with all who ask. I hope everyone would get better like me. Healthcare costs would go down for everyone.

If Blue cross wants to charge $1 million per year then tough, they have the right to charge whatever they want, who are you to demand anything? Do not buy their product. Go to any doctor and pay in cash.

Socialism is a failure, more socialism will not work, it adds way too much friction to the system.

tell it to the Swedes, Norwegians, Denmark people, and Germans.

your ideological thinking is very reality-challenged.

RENTS are what destroy any system in the end, capitalist or socialist.

The eurosocialism of the Nordic countries is actually just a mixed economy, taking the things that work from both sides of the debate, and leaving the things that don't, like private capture of rents created by public goods that our current system here in the US suffers from.

Free-market ideology was BS 50 years ago when Goldwater was espousing it and it's demonstrably still BS today.

SF ace, How could you be cynical about a non profit where the chief executive pulled in $4.6 million last year? Clearly, he's fearful of the state insurance commissioner being given authority to regulate his ATM machine business.

This is exactly why we need single payer. If medical providers can't charge people different amounts for the same service, then insurance companies cannot hold people captive.

90% of the reason people buy insurance is just for the group bargaining power. You get billed a lot more if you don't have insurance.

Plus if single-payer existed, anyone could start up an insurance company and compete against big insurance since the prices would be the same. A well written software system could put all the big insurance companies out of business. After all, it's all well-known math and if an insurance pool reaches a critical size, it's essentially zero-risk.

All I can say is, there are so many moron Americans out there that it is almost comical watching them constantly, consistently voting for something entirely against their self interest. Take single payer for example.

A typically rational voter with $20M net worth, probably should vote it down (but even Donna Dubinsky had difficulty getting her individual insurance and complained openly). Most Americans are just poor slobs teetering on the verge of bankruptcy, and if they are sick, they are almost assured of financial ruins, yet they want to vote it down, because they don't want so-called socialism, I am just amazed and amused by their stupidity.

If I were someone making $80K, completely dependent on employer for medical insurance, hell, I would vote with both hands and feet for single payer. Most Americans don't even have a decent insurance plan with their employers for god's sake. Who cares if it is socialism or communism, you can cal it fascism and I will vote for it.

Where else do you find a bunch of morons who always get brainwashed to vote against their self interest? Only in America.

I would love to see the following options available to me for an individual policy:

Fixed premium that increases only with CPI or equivalent.

Deductible that increases with age, predetermined.

Multi-year contract that allows this locked-in rate for X years.

We can lock in on just about every other kind of contract, and the whole point of insurance is to protect us from the financial unknowns of medical cost. Yet, the costs are still unknown, now, when an insurer can take such giant arbitrary leaps in price.

You would also have to exclude yourself from any newer more expensive medical treatments in the future for this to work. That might be a little tricky if you got sick with something that couldn't be cured when you signed your policy but is curable later for a higher cost.

The stupidity is induced by decades of failed education system and embedded distortion of American political system. All those who believe in Dem/Rep opposition are nothing by stupid. There is practically no differences between them.

(Well, in recent history Dems mostly care about financial capital, while Reps care about all major corporations, but this practically does not matter to 99% of people.)

Praising Obama reform is nothing but stupidity. The guy actually had opportunity to reform healthcare, he rather opted to create a reform that only insures profits of owners and top executives of insurance companies. Worst of all his reform kills ANY chance of any meaningful healthcare reform for decades to go. He deserves the worst punishment for this. (If only there was any remotely better candidate to vote for.)

So private insurance rates for individuals are totally unrealistic. People group together (small companies, etc) to get leverage to negotiate lower terms. I imagine the larger the group, the better the terms. SO - why not create a corporation including all (or maybe just 99%) of US citizens, then see what BS BS comes up with?

That's the same as saying this: If I hold a gun to your head and charge you $1 million to remain alive, tough, I have the right to charge whatever I want. Who are you to demand anything? Do not live, just die.

The sense of entitlement in this country is like a cancer... it will kill us all.

I love this argument, especially from conservatives.

We have a government by the People.

We forget that the principles of freedom were based on getting rid of the monarchy systems.

According to conservatives we should be allowed to go back to having monarchies in the form of corporate control over such basic rights as education, health care, and energy.

These are basic rights. Then we throw in Social Security, which every one contributes to, and it all gets wrapped up in the flag of entitlements.

I think the vision is that we have this poor working class, and untouchables, while the Kings, and Queens of this once great country reap all the benefits.

That's the way I look at it. I also look at how much we spend to protect those Kings, and Queens, and the endeavors they have around the world.

Military spending, patents, medical research that is given freely to private enterprise, farm subsidies you need a battery of accounts to access, all of these things also add up to entitlements, but they never get pointed to.

Wrongo! You Meccos are the problem. Yes, you personally, by buying into and propogating that line of complete bullshit that the government is always the problem.

Whose interest does that line of bullshit serve? To find the answer, follow the money.

The only counterweight to corporate power is government power.

Patrick why do you liberals accuse people like me of being the problem for holding onto my beliefs? The prob with liberals are their intolerance to opposing opinions. In reality govt is the problem in many things including healthcare. Please do not put words into my mouth.... I never said the gov't is ALWAYS the prob.

What if I belong to some other group? Are there policies for non-employee groups? Maybe if enough Patrick.net forum users were interested, we could all get a discount and be independent of our employers' plans.